Key Takeaways
- Former H-2B hospitality and service workers often launch retail businesses serving their communities
- Bankable funds retail businesses $25K–$5M based on sales revenue — no green card required
- Inventory financing, working capital, and location expansion all available
- SBA 2026 rule eliminated non-citizen retail owners from all SBA programs
- 48-hour approvals for qualified retail businesses
H-2B Workers Serving the Communities They Joined
Former H-2B workers who settle permanently in the communities where they once worked seasonally are intimately familiar with those communities' needs. The former H-2B resort worker who settled in the Outer Banks knows exactly what supplies, foods, and goods that community's year-round and seasonal residents want. The former H-2B agricultural worker who settled in the San Joaquin Valley understands the food preferences, price points, and shopping patterns of the community. Many have launched retail businesses — grocery stores, specialty food stores, hardware stores, clothing boutiques, and general merchandise stores — that serve these communities directly.
Bankable funds these retail businesses on their documented sales revenue. A retail store with consistent daily sales depositing into a business bank account is a bankable business — regardless of the owner's immigration status.
Retail Business Capital Needs
- Inventory investment: Retail businesses must maintain inventory. A $30K–$150K inventory facility ensures shelves stay stocked and stockouts don't cost sales.
- Store renovation and expansion: Upgrading fixtures, expanding floor space, or adding product categories requires capital investment that typically pays back within 12–24 months.
- Point of sale and inventory management: Modern POS systems, inventory tracking software, and loyalty programs improve margins and customer retention.
- Seasonal buying: Retail has predictable seasonal inventory needs — holiday merchandise, seasonal specialties — that require capital purchases 60–90 days before peak revenue.
- Second location: A second retail location is the primary growth move for successful established stores.
Inventory Financing
Keep shelves stocked. Finance inventory purchases before revenue arrives. Up to $1M.
Apply →Working Capital Line
Revolving credit for payroll, rent, and operating costs. Draw as needed. Up to $250K.
Apply →Revenue-Based Funding
Repay as a percentage of daily POS deposits. Payments flex with your daily sales volume.
Apply Now →Frequently Asked Questions
Yes. Bankable does not require a green card. Former H-2B workers with any valid work authorization and documented retail revenue qualify.
We fund grocery stores, specialty food stores, hardware stores, clothing boutiques, beauty supply stores, general merchandise stores, and specialty retailers.
Yes. Inventory financing allows you to purchase merchandise before it has been sold. This is one of our most common retail funding products.
Funding depends on annual revenue. A retail store generating $400K–$800K annually typically qualifies for $75K–$300K in initial funding.
The 2026 SBA rule requires 100% citizenship, eliminating non-citizen retail owners. Bankable is private capital with no citizenship requirement.
Yes. Expansion funding is evaluated based on your existing store's revenue and cash flow performance.
Six months of business bank statements, your EIN, business license, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.